Loan Services (Card Loan)

The Direct Banking Service is unavailable from around 11:50 PM on the third Sunday each month to around 5:30 AM on the next day.

Click here to apply

You need a Seven Bank account to apply for the Loan Service.

If you have a Seven Bank account

If you do not have a Seven Bank account

We encourage you to use the loan service in a planned manner keeping monthly repayments in mind.

Procedure for using the Loan Service

File an application (submit identity verification documents)

Click here to move to the Application page, and enter and send the required information.
You can submit your identity verification documents online.

Receive a notice of screening results

We will notify you of the screening results by email to your registered email address (within a few business days at earliest).

Receive a cash card

After receiving your cash card, register for the Direct Banking Service.
(If you already have an account, omit Step 3).

Receive a notice of completion of the agreement procedure, and start using the Loan Service

We will notify you of the completion of the agreement procedure by email to your registered email address.
After receiving the notice, you can borrow money via Seven Bank ATMs installed nationwide or through the Direct Banking Service.

Recently, we have been receiving an increasing number of identity verification documents in an unacceptable state from applicants for the Loan Service.
If you use your health insurance card or passport as your identity verification document, and your address is indicated on the side or page that is different from the one on which your name and date of birth are indicated, make sure to upload an image of the side or page showing your address as well. Click here for more details.

The application (new or additional limit) is screened by Seven Bank and the guarantee company, Acom Co., Ltd.
Note that your Loan Service application may not be accepted depending on the screening result.

The Loan Service is only available to customers who meet all of the following conditions.

(1)Seven Bank account holders (individuals) (including customers who have applied for an account upon applying for the Loan Service)

(2)Customers who are at least 20 years old and less than 70 years old at the time of the agreement.

(3)Customers who meet certain screening standards and are eligible to receive a guarantee from the guarantee company designated by Seven Bank (Acom Co., Ltd.)

(4)In the case of customers who are foreign nationals, those having the status of permanent resident in Japan

*A foreign national's status of permanent resident in Japan can be confirmed only at a branch with stationed staff. Please click here for information on the locations of Seven Bank branches.

The agreement term is 1 year (until the last day of the month after 1 year from the agreement date). In addition, an automatic renewal is carried out based on the Loan Service Terms and Conditions (new borrowing is not possible on the 1st day of the following month after a customer turns 71 years old).

If the guarantee company Acom Co., Ltd. repays the debt to Seven Bank instead of the customer due to circumstances in which repayment continues to be past due, Acom Co., Ltd. will become the customer's service counter for transactions thereafter.

Application is completed online

You can easily complete the whole procedure online, from filing an application to executing an agreement, using your smartphone or PC.

Loan transactions can be made using Seven Bank cash card

We do not issue a card dedicated for the Loan Service. You can use your Seven Bank cash card to make loan transactions via Seven Bank ATMs installed nationwide.
If you do not have a Seven Bank account, you can apply for an account upon applying for the Loan Service.

Customers currently without a Seven Bank account must open an account and receive their cash card first before using this service.Give yourself plenty of time when applying for an account, because it may take between 1 to 2 weeks.

Applications are screened for the Loan Service.
Note that your Loan Service application may not be accepted depending on the screening result.

You can still open a Seven Bank even if you are unfortunately not qualified for the Loan Service as a result of the screening.

You can make loan transactions via Seven Bank ATMs installed nationwide or through the Direct Banking Service, on any day and at any time, without any borrowing or repayment fee. If you use the Direct Banking Service to borrow money, you will receive the borrowing amount in your ordinary deposit account. If you withdraw the borrowing amount from your ordinary deposit account via an ATM, you may be required to pay the prescribed ATM use fee.

*3The Direct Banking Service is unavailable from around 11:50 PM on the third Sunday each month to around 5:30 AM on the next day.

■Borrowing limit

The maximum borrowing limit is 500,000 yen (we determine the borrowing limit for each applicant based on the screening results).

We accept applications for a higher borrowing limit from customers with at least two months of transaction records from the initial borrowing.

Monthly amount of repayment is fixed, enabling planned repayment

■Scheduled repayment

The monthly amount of repayment is fixed at 5,000 yen, 10,000 yen or 15,000 yen. On the 27th day of each month, the fixed amount will be automatically withdrawn from your Seven Bank account (ordinary deposit). The first repayment is made on the second monthly repayment date (27th day) after a new borrowing was made. If a new borrowing is made on the monthly repayment date, monthly repayments start on the first monthly repayment date.